Sonia D.

I help fintechs, payment companies, and financial institutions identify risk, gaps and viable solutions tailored to the FI's specific needs, fix Compliance, AML/KYC & Sanctions issues, reduce false positives, and pass regulatory audits. I am a board-appointed MLRO with 10+ years of experience across Indonesia and APAC, working with regulators including Bank Indonesia, OJK, MAS, and BNM. Most of my clients come to me when: 📊Their transaction monitoring is generating too many false positives 🧩 Their KYC/KYB process is slowing down growth ⚡They are preparing for an audit or regulatory review 🎯They are expanding into new markets and need a compliant setup What I Deliver: 📝AML/CFT framework design (FATF-aligned) 🧠Transaction monitoring rule tuning & optimization 🛠️KYC/KYB onboarding & EDD frameworks 💼Audit readiness & regulatory gap assessments 📘Policies, SOPs, and compliance documentation 🚀Market entry risk & regulatory advisory 🔍Enhanced Due Diligence & Investigation Report (OSINT, Search Engines) and HUMINT (subject to further discussions) Results 💡Reduced compliance gaps by 38% (0 audit findings) 💡Reduced manual reviews by 27% through smarter controls 💡Improved alert quality and uncovered hidden risk through TM recalibration Why Clients Hire Me 👤Former MLRO with board-level accountability ⚔️ Strong understanding of real regulatory expectations 🧠Focus on practical, working solutions (not theory) 🚀Fast turnaround and clear deliverables